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Раздел № 1: Страхование и риски Unit 1: Insurance and risks
Lexical work
Цель: Изучив данный раздел, Вы узнаете слова по теме «Страхование и риски», сможете употреблять их в устной и письменной речи.
Ex. 1. 1 Translate the text, using your dictionary.
A great variety of risks can nowadays be covered by insurance. Some of the commoner risks which are usual for businesses and private individuals are as follows:
· the destruction of property by fire
· losses arising from burglary or other causes
· goods in transit
· motor vehicles
· third party claims arising out of accidents.
From past experience the probability of many risks can be calculated with great accuracy.
In Great Britain insurance business is conducted byinsurance companies. The client or the prospective insured first approaches the insurance broker who then puts the client in touch with the insurer.
The insurer issues an insurance policy for the insured. It is a document setting out the exact terms and conditions of the insurance transaction. It states the precise risk covered, the period of cover and any exception there may be. The insured is to pay a premium the size of which is stated in the policy.
In many countries insurance against sickness, unemployment and old age is undertaken by the state. In Great Britain this insurance is undertaken by the state through the National Health Service. The employees’ contributions are deducted from their wages and salaries.
The main benefits of this insurance include:
· retirement pensions
· unemployment benefits, or relief’s
· sickness benefits
· maternity grants
· funeral grants
· industrial injuries
· family allowances
Ex 1.2 Match the equivalents:
a) страховой бизнес 1. insurance business
b) страховой полис 2. insurance company
c) страховой риск 3. insurance broker
d) страховая компания 4. insurance policy
e) страховой брокер 5. insurance transaction
f) страхование 6. insurer
g) сделка по страхованию 7. insurance
h) страхователь 8. insurance cover
i) покрывать риск 9. insurance risk
Раздел № 2: Страхование жизни Unit 2 Life and industrial assurance
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1 . Lexical work Цель: Изучив данный раздел, Вы узнаете слова по теме «Страхование жизни», сможете употреблять их в устной и письменной речи.
Ex. 1. 1 Translate the text, using your dictionary.
One of the main branches of insurance is life assurance. It is a comparatively recent type of insurance.
Life assurance is different from all other branches of insurance. In case of insurance there is no certainty that the insured may face the risk against which he has been insured. The risk may never occur. But in case of life assurance the risk is certain to occur sooner or later. The only uncertainty is the time of occurrence.
There are two types of life assurance:
· endowment
· whole life assurance
Endowment assurance is provided for a specified number of years or until the attainment of a certain age. The sum assured is paid either at the agreed time or on the death of the assured.
Whole life assurance is less popular. The premiums must be paid to the assured until the deals of the insured.
Premiums for endowment and whole life assurance are paid quarterly or annually.
Industrial assurance is a branch of life assurance. Industrial assurance policies are usually for small amounts. The premiums are collected weekly by the companies` agents.
The largest life assurance company in Great Britain is Prudential Assurance Co., established in 1845. Besides all kinds of life assurance Prudential Assurance Company undertakes many types of insurance.
Words
1. comparatively - сравнительно
2. resent - новый, современный, недавний
3. certainty - уверенность, определенность
4. insured - застрахованный
5. to face - сталкиваться
6. to occur -случаться, происходить
7. certain - уверенный, несомненный
8. uncertainty - неуверенность, неопределенность
9. occurrence - случай, происшествие
10. endowment - вклад, дар
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11. endowment assurance - страхование на срок
12. to provide - обеспечивать, предоставлять, предусматривать
13. specified - точно определенное, установленное
14. attainment - достижение
15. agreed time - установленное, согласованное время
16. prudential - благоразумный
Ex. 1.2 Write the Russian equivalents:
life assurance
industrial assurance
endowment assurance
whole life assurance
the risk may occur
to attain a central age
attainment
the assured
the sum assured
Ex. 1.3 Write the English equivalents:
1. Главные ветви страхования
2. В случае страхования жизни
3. Время происшествия
4. Определенное количество лет
5. Менее популярно
6. Должны быть выплачены
7. Полисы промышленного страхования
8. На маленькие суммы
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